Saving Money Tips - 5 Easy and Practical Ways


Saving Money Tips - 5 Easy and Practical Ways

The unpromising economic situation nowadays urge many people to look ways to save money. Below are five saving money tips which are easy and practical for everyone to follow.

No.1 - Switch off is better than standby mode
Many people believe they can save electricity by leaving their electronic equipment in a standby mode. Yes, that is true. However, switching off is far better as the electricity is completely shut down. Standy mode still using around 60% of the electricity as it is turn on.

No. 2 - Change your electricity supplier, if possible
Some countries have more than one electric supplier. If you have this opportunity, you can do some research, compare prices and pick the best offer.

No. 3 - Trips to grocery store only once per week
Make a shopping list throughout the week and do shopping once a week based on that list. This is one of the proven saving money tips.

No. 4 - Make use of any coupons
Make use of any coupons offered and discounted offers. Keep track of the supermarket's flyers so that you know the cheapest price you can get for that particular item. This is also useful if you have more than one supermarket in your location.

No. 5 - Search online and shop online
There are some items that you can get cheaper at online stores. Before buying an item, do some search online. If the price including the shipping cost is cheaper than your nearby supermarket, than that is a worth buy and you can save money.

I hope these saving money tips will be very helpful for you and very practical to follow. There are a lot of saving money tips in this blog. Happy surfing and happy reading.

6 Tips on How to Save Money When Shopping (saving money tips)

Saving Money Tips - 6 Tips on How to Save Money When Shopping

Most people especially women loves shopping. Shopping can be very addictive. Some people choose shopping as a therapy to stress. Shopping should not make you broke as long as you know how to budget. Below are six tips about shopping you need to remember:

Tips No. 1
Always bear in mind to spend your money wisely during your shopping time. Spend time in listing all the items you need to buy. This is to avoid you from buying unnecessary items. Take with you only the exact amount needed to buy all the listed items.

Tips No. 2
Buy in bulk. Items that are packed in bulk normally are way more cheaper than the items packed individually. If you go shopping with friends or family members, gather all list and see if there's items in common.

Tips No. 3
Always compare prices between stores before deciding buying any item. Though you have your favorite stores, do not hesitate to do survey and make price comparison between stores. To help you with the task, you can collect the promo flyers, catalog or list of items on sale from all the stores. Besides, always pay attention to the items that you buy on a periodic basis. This too can save you a lot of time during the price comparison.

Tips No. 4
Do your shopping at the end of the season. Clothes are often being offered at a huge discount during this time of the year. Stores normally do stock clearance on that time. For instance, if you are looking for summer wear clothing, then you may buy clothes in the months of August and September.

Tips No. 5
Do your shopping after your meal. This is because, if you shop during your hunger, you tend to buy more of the impulse items.

Tips No. 6
Find discount stores that offer your desired item at affordable price but still at a high quality. The prices at these kind of stores normally vary according to the season.

I hope these saving money tips on shopping are helpful. Sometimes reading a simple list like this help you to remember little things that can help you in your shopping budget.

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10 Tips That Will Help Teens To Save Money (saving money tips)

Looking for saving money tips related to kids or teens? Find below a very interesting and inspiring article on saving money tips. Happy reading!


10 Tips That Will Help Teens To Save Money
By: charlemont

A cornerstone of building a sound financial future for your teenager is to teach him or her her effective strategies to save money. Sounds easy, but even many adults don't know how to do it. And that could be because no one ever taught them. Parents can show their teens ways to save money by serving real-life examples.

The tips on how to save money are easy to use. In fact, there are no complications involved. Patience and persistence are needed, sure, but no special education or knowledge is required. Here's a list of ways to save money specially created for teens.


1. Do not put your computer in "standby" mode. Instead, shut it down. Do same with the monitor. While the power consumption in standby mode is little, it still adds up over the year. Same applies to all electronic appliances.

2. Take shower instead of bath. This will lower water bills tremendously. Also, use the possibilities to take shower outside home. For me, with two weekly visits to a swimming pool, it's easy and natural.

3. If you do not plan to buy anything, then do not take cash when leaving home. If you have no cash in the purse or pocket, you can't spend it. Sounds simple and works great.

4. Have your parents open a savings account for you. Depending on the financial institution, your starting deposit can be as low as 1 dollar. Not much, right? But with due attitude and dedication, you'll start making a small fortune pretty quickly.

5. Pay yourself first. Set aside part of your income for savings, before spending anything. When give allowance or any unexpected sum of money, take out 10% of it and save. Make a habit of spending less than you get. It will help to pave the way for financially prosperous future.

6. Set goals that appeal to you. Decide what you want -- a multimedia computer or a bike? Perhaps your parents will add some 10% of the sum. When you want something badly, saving is easier.

7. Plan major purchases ahead. Same applies to parties. Wait at least a week or so before purchasing. Chances are, you will change your mind or the price will drop. In both cases, you win.

8. Monthly allowance will teach you to save and spend wise. When you have to cover a month of expenses, the temptation to spend half of the allowance at once won't seize you.

9. Keep a checkbook. It's an old-fashioned method to put down records of all money received and spent. Doing so helps teens know where they stand financially. Analyzing your records over the month you'll discover where you could spend less, or when you bought something you didn't really need.

10. Get a piggy bank for a change. Use only dollar bills when paying. When the year is over, you'll have a lump sum of saved money to buy Christmas gifts.

By saving money teens learn patience and persistence. Every teen who embraces even one of these habits is well on his or her way to financial stability. It doesn't really matter how many of these tips you try to use. Start with just one, and when mastered enough, get to another. Saving money is what makes teens financially aware for the adult life.

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Cheap Text Books Are A Great Way To Save Money If You’re A College Student (saving money tips)

We would like to share this article we found on the net about saving money tips on educations. It is so interesting, thus we hope you enjoy your reading and apply the saving money tips recommended here. Happy reading!


Cheap Text Books Are A Great Way To Save Money If You’re A College Student.
by Muna wa Wanjiru

If you’re in college you most likely fit the stereotype of the poor college student, eating ramen and sucking down coffee to stay fed and awake for your late-night study sessions. College is expensive, and with some private college tuitions reaching over $35,000 it’s easy to come out of a four year university over $100,000 in debt.

Of course, tuition doesn’t cover everything; college students still need to pay for things like housing, clothes, food, and books. Many students’ schedules make it hard, if not impossible, to work a part-time job while in school, especially if they take part in any extracurricular activities. Summer work is about all that’s available, and summer jobs can be low priorities to students looking for solid internships to help out their graduate school or future employment opportunities. Unfortunately, many of the best internships are unpaid, leaving students even more strapped for cash.


One of the most unexpected expenses for first-year college students is when the first walk into the bookstore. Sure, if you’re a first-year you realize that you’re going to have to buy books, but there’s a good chance you didn’t realize that the books for one semester can easily cost $1,000. “But wait, it’s probably not so bad,” the first-years argue, “I can just sell my books back at the end of the semester and get my money back.” Though this strategy may work for some students, for most it’s nothing but a pipe dream.

It’s rare for a book to fetch more than half of its cover price when it’s resold to a bookstore. Also, professors often change textbooks or won’t teach the same course from one semester to the next, so your local college bookstore may not even take your books back. This is fine if you’re an English major reading Jane Eyre or Catcher in the Rye, at least you can build up your personal book collection, but if you get stuck with something like Practical Economics the book will probably do nothing but gather dust on the shelves.

Cheap text books are a great way to save money if you’re a college student, but they can sometimes be tough to track down. Used books are by far the easiest way to find cheap text books; they can often be found right alongside the new books in your campus bookstore. An even better way to find cheap text books is to by them directly from students at the end of a semester. If you know what classes you’ll be taking and what textbooks they’ll require it’s easy to find cheap text books from the students who are already in the class and looking to sell off their books. By cutting out the middleman you can find cheap text books and they can sell their books at a better profit.

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Home Solar Power: Save Money With Your Own Home Solar Power System (saving money tips)

Looking for saving money tips on utility? One way to save money on electricity is by installing your own home solar power. Find below another great saving money tips.


Home Solar Power: Save Money With Your Own Home Solar Power System
Author: WChurchill

Home solar power systems convert sunlight into electricity through the use of solar panels. For an average home about ten watts per square foot of electrical energy will be gathered per day. This will vary depending on a number of factors including panel size and type, amount of sunlight, and length of time direct sunlight is available.

A home solar power system will cost considerably more as an initial investment, but will be very cost effective in the long run. There are two main reasons for considering home solar power. First, of course, is the saving on your electric utility bill and secondly is the fact that solar power is renewable and environmentally friendly. There are NO polluting side effects.

There are 5 main components of a home solar power system that is connected to the electric grid. If you choose to be totally off-grid, it will also be necessary to have a storage battery to store excess energy your system generates.

• Solar panels
• Power converter
• An electric panel
• A utility meter
• The utility grid
• A storage battery unit (for off grid)

Solar panels are normally placed on the roof of your house, but may also be placed in any area that receives direct sunlight. Either installation must be placed to receive as much direct sunlight as possible. The solar panels convert sunlight into DC power.

The power converter is necessary to change the DC power into AC power which is what you receive from an electric utility. AC or alternating current is what household lights and appliances use.


The electric panel brings the power from the power converter to the breaker box. It is then distributed to the lights and outlets in the house.
In an on-grid system the electric utility meter handles excess power from your system, causing your electric meter to run backwards when your system is supplying power to the utility grid. If you use this you receive credit from the electric utility that is applied against what you need from them when your home solar power system does not cover your usage.

And the last component in an on-grid system, the utility grid, will supply you with electricity during the night, on cloudy days, and when you need more electricity than your home solar power system produces.

If you will not be connected to the grid system -- whether by choice or because the location is remote and not supplied with electricity, you will also need a storage battery unit to store the excess power from your home solar power system for use at night.

Is a home solar power system right for you? Maybe. Even though the initial costs are higher, the payback may well be worth considering. If you are building, remodeling, or even refinancing your home, the cost of home solar power can be included in the mortgage. Also, keep in mind that both state and federal governments offer attractive tax incentives when you install a home solar power system.

And best of all – wouldn't be GREAT to never pay another electric bill ?

Renewable energy - Free energy -Green energy
Why wouldn't you do it if you have the opportunity?

Source: http://www.articlealley.com/article_519793_27.html



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Air Conditioners - How to Cut Running Costs in Half (saving money tips)

One way to save money is by managing the way you use your air conditioners. Find below a great saving money tips on air conditioners. Hope you enjoy this saving money tips. Happy reading!


Air Conditioners - How to Cut Running Costs in Half
Author: Ethan K. Roberts

In today's world, most people have invested in one form of an air conditioner or another. We have either window air conditioners in our homes or central air conditioners. They keep us cool in the extreme summer heat without fail; however, have you ever set back and looked at the costs of running an air conditioner? When compared to the common household fan the amount of electricity required to run an air conditioner is phenomenal.

When using an air conditioner there are many different factors that can directly affect the cost of running it. These factors include the geographical location of your home, where you live and the amount of work the air conditioner has to do greatly influence the cost. If you live in an area that has mild summers and extremely cold winters, obviously your air conditioner will not have to work as hard. However, if you live in an area, that has warm winters and boiling summers the air conditioner will have to work double time to maintain comfort.

The difference in weather conditions from year to year will affect the costs as well. This is basically geared towards the difference in costs per year. One summer might be cooler than the next, which will lead to a greater bill.

The efficiency rating of your air conditioner plays an important role in the amount of electricity used. Most all appliances in today's world are rated, when you purchase an air conditioner it will have a tag telling you the amount of electricity that appliance uses. Look for air conditioners that use minimal electricity, which will save you money each year. If you have a model that is 10 years or older, it is definitely time to consider a new one.

Another important factor is the size of the air conditioner versus the house-cooling load. All air conditioners come in different sizes, and each will state the amount of space it is designed to cool. For example, an apartment could do with just one or two window air conditioners, while a three-bedroom house could not. Closely consider the amount of space you need to cool when considering an air conditioner. While larger air conditioners will cost more money, it will typically save you money in the long run on usage.

The setting on your thermostat greatly effects the cost. A higher setting will result in the air conditioner running less, while lowering the setting will cause it to run more often. One electric company suggests keeping the thermostat above 78 degrees. This can save you 10 to 20% on cooling costs.


Finally, the local cost of electricity influences the general cost of running your air conditioner. This is something you have no control over, however, you can control your own cost by saving energy.

Here is a general look at the difference of running an air conditioner vs. running a Ceiling or oscillating fan, at medium speed.

Running a central air conditioner that is three ton (and of average efficiency) for 8 hours per day for 15 days per month, with the average rate per kWh (kilowatt per hour) being 0.17, the average cost per month for the air conditioner alone will be $97.92. Amazing isn't it? This does not even include washer, dryer, lights, refrigerator, or stove, only the air conditioner.

On the other hand, running a ceiling fan or oscillating fan at medium speed, for 8 hours per day, for a full 30 days, at an average rate per kWh of 0.035 is only $1.43. With this comparison you could run 68 � fans for a full month before you would reach the cost of the central air conditioning unit.

There are many other things you can do to lower you electric bill. Things such as, inspect, clean, or replace your air conditioner filters monthly. When you are not in your home, raise the temperature on your thermostat, keeping in mind pets when you do. Lower the temperature of your water heater to 120 degrees, wash only full loads in your dishwasher or clothes washer, and use the energy saving cycle on the dryer.

Other steps you can take include, replacing incandescent bulbs with fluorescent lamps, this could save up to 75% on lighting costs. You should also caulk all windows, doors, and pipes to prevent air leaks in or out, use weather stripping around windows, doors and pipes as well. Have your ducts tested for air leaks; leaking ducts can reduce the efficiency of your air conditioner by up to 20%.

Ethan K. Roberts writes on a variety of topics not limited to air conditioners. Also available are more articles about central air conditioners and portable air conditioners.

Source: http://www.articlealley.com/article_28434_27.html


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Save Money on your Household Utility Bills and help the Environment (saving money tips)

Want to find ways to save money on your utility bills? Find below a very interesting articles on saving money tips. Enjoy you enjoy our recommended saving money tips.


Save Money on your Household Utility Bills and help the Environment.
Author: Chris Courtis

With the cost of living increasing it is becoming harder to find areas where money can be saved. By doing a few simple tasks around your house you could save money in a number of different ways. Read below for the top tips that can be used and you can help with cutting emissions.

Save Money on Heating

Loft Insulation
Make sure that the loft in the house is fully insulated; remember heat rises and most of the heat that you generate in your house is lost through the roof. It is simple to buy good quality loft insulation from all the main DIY superstores and this could be one investment very much worth making.

Good Quality Windows
Ensure that your windows are in good condition, no broken or cracked pains, the wood surround is in good condition, the paintwork is kept in good order with regular refreshes of paint to stop rot and damp. Double glazed windows are a must if you want to keep the heat in and stop the cold and damp from coming through. If the budget extends then even some new replacement windows could be a great investment.

Internal and External Doors
Make sure that you have good external doors, these should be double glazed also and be fitted properly with seals for the letter box and the surrounds. The internal doors in the house should all shut properly and make good seals and have draft excluders where appropriate.


Save Money on Electricity

Energy Saving Light Bulbs
Fit energy saving light bulbs to all your main lights, this not only helps to keep your electricity bills down but at the same time you are doing your part for the environment. On average the light saving bulb will last up to 12 times longer than the normal light bulb and reduce the amount of electricity required by reducing the amount of electricity lost in heat compared to a standard bulb.

No Electrical Equipment on Standby
Make sure you turn your electrical equipment and sockets off when you are not using them, especially television, videos, DVD players that have standby modes, these use more electricity than you would think.

Electrical Safety Checks
Get your wiring and circuits professionally checked to ensure that your appliances are working to their optimum capacity.


Save Money on Gas

Regular Gas Safety Checks
Make sure you keep your boiler serviced and well maintained in order to improve efficiency.

Insulate the Hot Water Tank
Ensure that your hot water tank is also well insulated to keep the heat in and keeps the water hotter longer. You can buy a jacket for the tank from the DIY stores and remember that it is worth insulating the pipes as well.


Save Money on Water

Toilet Flush
If you want to reduce the amount of water that the toilet cistern uses for each flush then there are devices available from DIY shops that can be used to reduce the amount of water used. These are easily fitted and can reduce the amount of water used per flush by as much as 1 litre.

Shower don't Bath
Take showers instead of baths this reduces the amount of water that is used and will save you money on heating the water and the amount of water used. A bath can take between 15 ? 25 gallons of water where as a shower uses around 60% less water than the bath.


Summary
Doing just a few of these will help to save you money; some require more of an initial outlay than others but are well worth doing in the long term. If you own your own house then it could be a good investment and if you are renting a property then instruct your letting agent/landlord to make a plan of necessary changes to help protect the environment, their property and your pocket.

For more articles and information on property then check out Rentright Property Articles and Portal

Source: http://www.articlealley.com/article_100677_63.html


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Several Ways to Save Electricity and Energy in the Kitchen (saving money tips)

Looking for saving money tips on utilities? Below are an interesting articles we found on the net and we are sharing with you. We hope you enjoy reading the saving money tips and apply the recommended tips. Enjoy reading!


Several Ways to Save Electricity and Energy in the Kitchen
by H. Y. Wong

There are several ways in which we can save electricity and energy in the kitchen. One way is to see if we can reduce the cooking times. Another way is to see if a different appliance does the same job and yet uses less energy. Yet another way is to see if we can reduce wastage. Here are some tips.

1. Defrost food first before cooking it. You can do it in a fridge overnight or in a microwave if you want the defrosting done quickly.

2. Put a lid on the pan when you're cooking. When a pan is covered, heat loss is reduced. That means you can set the stove on low to keep the content simmering. The cooking time will also be reduced.

3. Use a pressure cooker to cook foods. Since it operates at a higher pressure, water therefore boils at a higher temperature. The higher temperature of the water and steam causes the food to be cooked much faster, using less energy.

4. Don't use a small pan on a large burner. Match the sizes of the pan and of the heating element.

5. Use flat-bottomed pans instead of warped-bottom ones, particularly when cooking on electric stove.

6. Stir fry meat and vegetables. It takes more time to chop up the meat, but the meat then cooks much quicker.

7. Use a kettle to boil water instead of using a stove top burner. Boil only the amount of water that is needed, whether it is for making tea or for cooking.

8. When baking in the oven, experiment to see if preheating time can be kept to a minimum or done away all together.

9. Try not to open the oven door to check on cooking progress as a lot of heat escapes otherwise. It can be helpful having an oven thermometer or an oven-safe meat thermometer.

10. Where possible, use a microwave oven. Microwaves uses a considerable amount of energy when in use but it more than makes up for it by the much reduced cooking times. It draws much less electricity than an electric oven for the same job.

11. Use a toaster oven to do small baking jobs instead of an oven. Using a toaster oven decreases the area to be heated and in so doing saves energy. Use it for things like baking potatoes, fish sticks, chicken nuggets etc.

12. Use a convection microwave that offers, within the same unit, microwave, convection oven and grill features. Some of these microwave ovens can cook food using both convection and microwave at the same time, providing crisp brown exteriors and retaining juiciness for meats and chickens.

13. Use a steamer for cooking meals like fish and vegetables. It cannot burn the food and has a relatively low power consumption.

14. Use a crock pot (slow cooker) instead of a stove top burner to cook soups and stews that typically take a long time. It will let these dishes simmer gently.

15. Use a thermal cooker for things like soups and stews. A thermal cooker has 2 parts: an inner pan and an outer container. The inner pan is used to bring foods to a boil on a stove. It is then placed inside the insulated outer container and sealed until cooked.

16. Use an induction cooker. It uses magnetic induction to transfer heat from the cooker to the pan on the surface. The cooktop surface also stays relatively cool while the food in the pan is cooking. Induction cookers have a very high energy efficiency, much higher than traditional stoves.

17. Use an electricity monitor to measure the electrical usage of various electrical appliances in the kitchen.

The last point is worth mentioning in a little more detail. Some electricity monitors not only measure the electricity consumption but also work out the actual cost. All you have to do is to input the electric rate found on the utility bill and the monitor does the calculation for you.

Using an electricity monitor, you can find out the usage costs of your kitchen electrical appliances and then come up with your own list of energy saving tips and ideas.

Find out more information about electricity monitor and other practical electrical gadgets. You will also discover many other interesting household gadgets on the web site.


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7 Ways To Save Gas Today (saving money tips)

Wanna know about saving money tips on gas? Below is a very interesting article about saving money tips on gas. Enjoy reading!


7 Ways To Save Gas Today

You can start to save gas immediately! Raise your cars MPG and save on gas prices using these 7 tips! Save money on gas starting today.

1) Remove Excess Weight: Save gas by taking all that useless junk out of your car. 100 pounds can reduce your cars MPG by 2%.

2) Driving Fast: Speeding lowers your cars gas mileage by 33% at highway speeds and 5% around town. Save money on gas by slowing down a little, avoiding jack-rabbit starts and coast to red lights.

3) Gas Cards: You can save on gas prices because many gas cards offer a 10% to 15% discount. If a gallon of gas costs you $2.75, then that gas card could save you as much as 41 cents per gallon!

4) OD: Use your cars overdrive gear whenever you can. Lowering your rpm’s uses less fuel and will save money on gas.

5) Fast Freeway Driving: The D.O.E. (Department Of Energy) says that each 5 MPH you drive over 60 costs you 25 cents per gallon of gas.

6) Don't Idle: Save on gas prices by avoiding idling whenever possible because idling gets you a whopping ZERO miles per gallon of gas!

7) Gas Cap: You can save gas by making sure your car has a gas cap...and one that fits properly too! It sounds bizarre to me, but the D.O.E. says that 17% of the cars on the road don’t have gas caps. That’s 147 MILLION gallons of gas that is wasted each year through evaporation...and it pollutes too!

So there are 7 easy ways for you to save gas today!

Discover the secrets to saving lots of money when buying new cars, buying used cars, selling your old car for the most money, avoiding car dealer scams and much more by clicking here now: http://www.buy-and-sell-car-secrets.com/



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Save a Massive Amount of Money on Gas (saving money tips)

Are you looking for saving money tips on gas? We found this very interesting articles on the net and we would like to share it for you. Enjoy reading the saving money tips below.


Save a Massive Amount of Money on Gas

With gas prices soaring well above $3 per gallon many Americans are looking for ways to save money on gas. One such technique for saving money on gas is hypermiling. In this article I will outline 5 techniques to help you save massive amounts of money on gas.

Maintain an efficient speed. - The first technique to save money on gas is to maintain an efficient speed. Although each and every vehicle will have its own unique efficient speed this is usually between 40 and 55 miles per hour. You should test several different speeds for your car to determine which speed it runs most efficiently at.

Keep up on your maintenance. - This seems simple enough but keeping up with your cars maintenance can easily save you 90 cents per gallon. Make sure that you schedule regular tune ups, keep proper pressure in your tires and clean dirty air filters.

Lighten your load - The third technique to save money on gas is to lighten your load. Its simple, the less cargo you carry in your car the less resistance your car will face and the more efficient your car will run saving you money at the pump.

Install an aftermarket fuel gauge. - Another technique for improving your gas mileage can be achieved by installing an after the market fuel gauge. After the market fuel gauges can help you determine your fuel efficiency and thus allow you to adjust your driving to get the most out of every gallon of gas improving your gas mileage.

Use water to fuel your car. - The fifth technique and the one that is most effective is water for gas technology. Simply put this technology allows you to convert your car to run on water as well as gas improving your gas mileage by nearly 60% and helping you to save a massive amount of money on gas.

To learn more about water for gas technology water for gas technology and how you too can build your own water for gas powered car, visit our website for all the SECRETS of Water Car Technology.

Richard Verreault is an Entrepreneur working relentlessly to help vehicle owners keep their hard earned money in their pockets where it belongs instead of giving it to the oil/gas companies.


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Save Gas and Lower Your Cost of Transportation (saving money tips)

Looking for saving money tips on gas? Here are interesting saving money tips that you can apply. Enjoy reading! and apply the saving money tips recommended here.


Save Gas and Lower Your Cost of Transportation

The best way to save gas is to leave your car in the driveway. The more it sits in the driveway, the less often you'll need to take it to the gas station, and that means you save gas and save money. It's a simple approach and it works very well.

Think about how many dollars in fuel each of your trips require, and you might be surprised how much discretionary trips are costing you. Each discretionary trip that you avoid will help you save gas and save money.

There are plenty of things each of us can do to save gas, but as you probably know, there is a different kind of price we have to be willing to pay. Often that price comes in the form of inconvenience or a shift in lifestyle.

If you want to get serious about saving gas, I have 36 ideas to share with you. Some of the most effective of these are:

    * Buy fuel in bulk during annual low prices. That means stocking up on 500 to 1,500 gallons of fuel during January or February. A big money saver, but not feasible for many people who live in urban areas.
    * Minimize the times and distances you drive your car for discretionary purposes by planning your activities. This means that some days you don't drive at all.
    * Live closer to where you often need to go. This could eliminate the need for a motor vehicle entirely. What a great way to save money.
    * Use alternate transportation, such as a bicycle, bus, train or consider walking. The thought doesn't feel right to many of us, as we love our cars and the convenience and freedom they give us, but we do have choices other than our motor vehicles.
    * Tele-commute. A great way to cut the cost of transportation and reduce stress. If you have a job that would fit a tele-commuting scenario, run the idea by your employer. Even part time tele-commuting can make a big difference in the amount of money you spend on fuel.

In my own personal crusade to save gas and lower my overall cost of living, I have taken the following steps to reduce my fuel consumption and lower my transportation costs. I have reduced fuel costs by about 75% now that I:

    * Operate a home-based business that allows me to tele-commute.
    * Wait until I have several reasons before making a trip, especially for errands.
    * Share errands and driving with my neighbors.
    * Buy fuel in bulk at the lowest price of the year. This saves up to $1 per gallon.
    * Reside in a less congested area.
    * Purchase vehicles with a deliberate focus on fuel efficiency.
    * Drive more conservatively.

My perspective on fuel prices and the cost of transportation is simple. No one is going to save me from unwise decision-making except me, so I better get with it. I can't influence the energy markets, but I can influence my own personal choices in light of those marketplaces.

Clair Schwan is an expert in frugal living, and has 36 ways to save gas, get better gas mileage and purchase cheaper fuel. See his gas saving ideas and more frugal living tips at http://www.frugal-living-freedom.com


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Save Real Money on Groceries (saving money tips)

Looking for creative saving money tips? I found this very interesting articles related to saving money tips on the net, and i would like to share it with you. Enjoy reading!


Save Real Money on Groceries

I'm at the grocery store waiting in line to pay for my groceries and I indulge in one of my favorite past times -- checking out the shopping carts of other people. I take note of the woman in front of me and what's in her basket. Name brand potato chips, flour and cereal. She's loaded up on the gelatin dessert that the store has on sale. Pre-packaged meals, frozen dinners. Nail polish and floor cleaner.

Oh, the money I could save money on this woman on her groceries. Fortunately, here are the Cheap Chick Tricks for grocery shopping for you.

Grocery Trick No. 1

Go to the market just once a week, on the same day of the week. This may prove harder than it sounds, but it will save you money. How? The first is obvious: your transportation costs. Secondly, it will focus your efforts. You know you're there to shop for food and you need to get one week's worth of food. It eliminates those multiple runs to the grocery store to just pick up a quart of milk and some bread, where you walk out with $50 worth of stuff.

Grocery Trick No. 2

Go to the market with a list and a not-to-exceed budget. Your list will come from your menus for the week. That means you've got to come up with seven dinners, seven lunches, and seven breakfasts, plus any snacks for the week, figure out the groceries you'll need for each and write it down. You are not going to buy anything that is not on that list. That means if you run out of celery, you'll wait a week to buy it. (See Trick No. 1 above). No quick trips to the local store mid-week. Set an amount that you are going to spend on groceries (including eating out) and don't go over it. Bring a set amount of cash to pay for your groceries, if that makes it easier.

Grocery Trick No. 3

Never stock up. What? Am I crazy? Let's see why I say never stock up. How many times have you made banana bread with leftover bananas? Or, more likely, thrown them out? Let's say flavored gelatin dessert is on sale for ten packages for one dollar. It's not on your list, but at that price, you eagerly throw ten boxes into your cart. You've just spent a dollar you don't need to. If you buy those ten boxes, chances are pretty good a year from now nine of them will still be sitting on the shelf. If gelatin dessert is on your list, buy one box at 10 cents and put the other 90 cents in your pocket. I guarantee it will be on sale again some day. As far as coupons, use them if you were planning on buying the item anyway. But remember, often the in-house brand is cheaper than the name brand with a coupon.

Grocery Trick No. 4

This rule goes hand in hand with rule 3. Never, never grocery shop at a warehouse or super discount store. Don't tell me how cheap the prices are. It is a very disciplined person indeed who can walk through a warehouse of floor to ceiling sweaters, dvds, and cases of socks and not buy anything but the groceries on their list.

Grocery Trick No. 5

Leave your kids, husband, wife, partner at home when you grocery shop unless they have bought into the Cheap Chick Tricks. If you absolutely must bring your children, never make the mistake of buying them toy or junk food at the grocery store that they ask for. You will regret it.

Grocery Trick No. 6

Shop for groceries at the grocery store. But not just any grocery store. Search out the bag-your-own groceries, no-frills market. You won't find an in-house bank, coffee bar, or florist. There won't be the selection of a full-priced market or the high prices of the small store on the corner. The liquor department won't carry $50 bottles of wine (but they will have some real steals on wine -- see my tips on wine at the top of this page). However, they will have fresh herbs and pizza dough, and excellent olive oil. There aren't a hundred different brands of staples, just a couple of brands of milk, butter, yogurt, salad dressing (including their own house brand -- usually the cheapest by far). It's obvious, they're saving you money by not wasting food. You'll also have to bag your own groceries, but since you'll be face-to-face with someone else bagging his or her own groceries, you'll probably strike up a conversation. And that's free.

Try these tips for one month. See how much money you can save on food.

Copyright 2008 Cheap Chick Tricks.

Visit http://cheapchicktricks.com for real tricks for living cheaply.



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How to Save Dollars on Groceries (saving money tips)

Below is a very interesting article on saving money tips on groceries. Enjoy your reading and we hope you apply the saving money tips recommended.


How to Save Dollars on Groceries

Groceries are one of the biggest expenses. Though home made food is cheaper than eating out you need to consider the budget for spending money on grocery items. Buying food from outside is costly. Home made food is best in terms of savings. Before you buy make a list of items you need to avoid unnecessary expenses. It is also economical when you purchase groceries given that there are discounts on items. You can make big savings on coupons when you purchase items in bulk.

To purchase grocery items you need not go to the stores available in the market. Instead you can shop grocery stores online. This saves your time and money on your trip. Shopping online for grocery items is the best one you can do as you would get lot of discounts on many items and it is also convenient for you to order right from your home or office. It will also help prevent you from impulse buying. It is the cheaper alternative where you can get coupons to save money on grocery items.

Most people search for coupons. Now that's not going to be a difficult task. I saw one online website where you can get best coupons online very easily and save time. You can find coupons for groceries. It contains different stores which give you discounts and this greatly reduces your groceries bill. Every store has some special offers. You can check them out regularly. The coupons and coupon codes are updated frequently. All that you need to do is visit the site and click on the stores that offer groceries and place order with them and avail discount on coupons.

Apart from that some stores offers you special promotional offers where you will get surprise gifts on the purchases you have made. In addition, there are free shipping offers and free home delivery when you place orders. You will always find best deals and save almost up to 50% on your groceries bill. Thus you can have great savings and with that savings you can go out for luncheon or dinner in a hotel on weekends or spend it for some entertainment and have fun. Instead of buying in small quantities purchase in bulk to save money and use coupons when you buy them. This will greatly increase your savings.

Now it is the right place and time for you to get coupons and avail discounts and save money on grocery bill. Visit the site for more information on coupons and have a nice discount shopping. http://www.coupons4save.com.


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How to Save Money on Gifts (saving money tips)

Saving Money Tips - How to Save Money on Gifts

You do not have to be spendthrift when it comes to giving gifts. Always remember "it is the thought that counts". You can start minimizing your allocation on gifts that would cost you hundred of dollars. The best policy is opting for things that require less money but still bring joy and amusement to the receiver. Here are 3 simple yet creative ways of saving money on gifts.

1. Start your own gift closet.
You can shop for gifts the whole year-round. There is no need to wait till holidays, because prices are higher during those times. Besides, there would be less hassle and avoid you to spend more.

To fill up you gift closet, you can buy gifts at special sales, bazaars, car-boot-sale, and out-of-town trips. This would definitely be a money saver. Besides collecting gifts, it is best if you can collect ribbons, wrapping paper, gift boxes and other gift decorations as well. Your gifts will be better appreciated when it is nicely wrapped.

Always remember to make an inventory of all your gifts. This is to avoid duplication of gifts, as well as allowing you to keep track on what you have in your gift closet.


2. Put on some creativity
Try to personalize your gifts. A gift that was specially made by the giver normally are much appreciated. For example, if you are good at cross stitching, you can create one rather than buying one. In this way, you do not only create a smile to the recipient but also can save a lot on your gift allocation.


3. Plan you gifts purchase.
Before going to shop for the gifts, prepare and bring with you a shopping list. The list may contain the names of the person whom will be receiving the gift, the kind of gifts suitable for them and the budget for each person. In this way, you are not only save your shopping time, but also lessen the tendency to buy unnecessary gifts.

The bottom line is that, giving gifts should not be a burden to your pocket and mind. The most important thing is your remembrance of that person on that very special day. That would be enough for them to feel they are special and appreciated by you.

Find out more interesting saving money tips according to the categories (look at the right side of this blog) or in our archive.

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How to Save Money and Avoid Temptations (saving money tips)

Saving Money Tips - How to Save Money and Avoid Temptations

Saving money and financial management is very important in one's life. Money is very important in order to survive in this world but only a few people know how to organize their household budget in the right way. Many people find it difficult to money even if it is for their own good.

Most of the time, you may be motivated to save money but some times temptations come your way and before you know it, you have already spent the allocated amount that was supposed to be added to your savings account. Below are some helpful saving money tips on how you can avoid temptations and be able to save money:

  1. Try hard to avoid or ignore those things that keep you from saving. If you are fond of buying shoes even if you don't really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one.

  2. When going to grocery stores, always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.

  3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don't really need it.

  4. Do not bring with you your credit cards all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.

  5. You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account.

  6. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

Teaching Teens to Save Money (saving money tips)

Saving Money Tips - Teaching Teens to Save Money


Parents mostly complain that teenagers do not listen to them. The opposite is true when it comes to advice regarding 'money matters'. Teens actually welcome their parent’s input about their finances.

In the past few years, teenagers have earned billions of dollars with part-time and summer jobs. Some have spent most of what they earned, while others saved most or even all of it for a big purchase, or for their college education.

Kids these days are becoming more and more aware of their family's source of income and financial status. They apply these money-spending principles when they venture out on their own.

Thus, it becomes more of a parent’s responsibility to start “training” their teenage kids to use their money wisely.

Here are some ways on how you, as a parent, can teach your teens to save those hard-earned bucks:

1. Lead by example.
With your lifestyle, the children will see how you spend your money. If they see you allotting a certain amount for a specific household need, they will eventually do the same when they get to earn their own keep.

2. Help your teens get a bank account.
Establishing a bank account under their name would give them an instant financial responsibility.
Sit down and explain to them how to manage their own account, and the “rewards” that they get once they save enough. Their savings could go to their college tuition, or a big purchase like a car.

Additionally, it gives them a sense of accomplishment once they have saved up, with something concrete to show for it.

You may check out the special benefits that banks offer for teens who open their accounts at such an early age.

3. Construct a “spending plan”.
Once they hear the word 'budget', teens tend to cringe at the mere thought of having to restrict the spending of their money. Instead, you and your teen son or daughter could build a “spending plan”. This would get them excited, and think of ways on how they can wisely spend their savings. Also, have them list down their earnings versus their expenses.

Let them know the difference between the items that they need and the luxury items that they want, which they can actually do without.

4. Make a “mock” investment in the stock market.
Make them aware of the options that they have financially. Casually introduce to them the business part of your daily newspapers and have them make “mock” investments for companies who manufactures products that they like. Monitor the stocks together and this would give them another option of investing their money in the future.

If you are serious about teaching your children to save money, then you should grab a copy of "Teaching Children About Money - Raising Kid Entrepreneurs"

Essential Saving Money Tips for Students

Essential Saving Money Tips for Students

It is easy to get caught in the rush of things when you are in college. In the midst of studying, part-time jobs, socializing and extracurricular activities that you have, you are most likely to forget one of the most important things, which is straightening out your finances.

Here are some saving money tips on how you can save money as a student:

1. Plan ahead.
If possible, do this even before you move into your dorm room. Check if you are eligible for scholarships and other grants before signing up for any form of student loan.

Construct a cash flow. First, where do you expect to get money from? Make a list of your “income”, be it from your parents, your student loan or your part-time job.

Then forecast your expected monthly or weekly expenses for food, books, etc. Once you have set aside a budget, be strict with yourself and stick to it.

You will never know what unexpected expenses would come your way so it is better to have a downfall for financial emergencies.

2. Save on food.
One of the major expenses that you have as a student which you might have ignored when you were still living with your parents is your food allowance. Avoid eating at fast food outlets, as this is most likely to ruin your budget. Pack your lunch and plan your meals as much as you can.

3. Take full advantage of student discounts.
Those ID’s in your wallet are not just for show. Student ID’s and memberships in organizations are honored in several establishments which offer discounts. Also, patronize a certain establishment regularly and you are bound to get bonus cards for being a loyal customer.

4. Use your cash as much as you can.
Since you already have a draft of the items where you will spend your money, it is easier to monitor your cash flow. Avoid using your debit card when you have cash with you. Use your credit cards or write checks only in emergencies. Having debit cards, credit cards and checks handy might lead you to overspend.

5. Keep yourself busy.
Join clubs according to your field of interest. Keeping busy will let your mind wander and help you stay away from things that you are likely to spend money on when you get bored. Examples of these are snacks, movie tickets or game rentals.

You will be surprised at the amount of money that you will actually save by spending less on luxury items, following your budget plan and saving for financial emergencies that you are most likely to get as a college student.

Setting Up a Family Budget (saving money tips )

Saving Money Tips - Setting Up a Family Budget

For some, the idea of a budget is often a blur. It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers.

It is about time to overhaul the way people look at budgeting. It can actually be a great way to keep track of your family's expenditures and help you evaluate the things that you spend the lion's share of the family's earnings on.

What is a budget? A budget is a tool for handling your finances by controlling the family's expenditures in a way that money is enough for paying up bills, and still ensuring that savings are set aside for future expenses - vacations, or children's education, or even for retirement.

Try these simple steps in preparing a no fret family budget, and see the benefits of intelligent spending.

1. Gather three months of your pay stubs and get your average monthly earnings.

2. Get out three months of your monthly bills. Do this for the fixed expenses like the rent, phone bill, car payments and other loans that come monthly. Add them up and get the average. Do the same for other expenses like groceries, and credit card bills.

3. Evaluate the results of your computations. Looking at your average monthly earnings against your monthly fixed expenses and other monthly expenses, think of some ways to economize. Cut back on some items that are somehow unnecessary.

4. Knowing the facts of your income and expenses, develop a family budget and try to stick to this monthly budget.

5. Now that you have a monthly budget, set up a savings account. Save up by making regular deposits to this account.

6. Keep track of this monthly family budget just to see if it is working for you. Try to fine-tune the "rough edges" of this budget as you go along.

7. If you can get hold of a personal budgeting software or spreadsheet application to keep record of your budget, the better. This will make organizing your expenses very easy.

These are the basic steps in developing and implementing a no fret, easy to stick to monthly family budget. Of course each family has diverse needs and wants. You have the freedom to develop your own monthly family budget, depending on your family’s financial background and needs. No matter how you do it, just focus on the end result, which is building a savings that leads to a bright and financially stable future for your family.

Secrets of Keeping to The Family Budget (saving money tips)

Saving Money Tips - Secrets of Keeping to the Family Budget

The high cost of living in today's society, wherever you may be, has made budgeting a priority among families. In today's inflationary world, nothing is more important than knowing how to wisely spend the meager income that you get.

Financial problems usually arise due to lack of proper budgeting skills, or failure to keep to the proposed budget. No matter how much income you may have, it is still important to keep track of your assets and liabilities, your earnings and expenses.

It is ironic but a person who earns thousands will have the same problems with the person who earns by the hundreds. Most often, different kinds of people, with diverse income levels, have budgeting problems. Others who may have been successful in making a budget, usually fail to keep within such a budget.

A budget refers to a financial plan, taking the incoming and outgoing monetary resources into consideration. A good budget should not only mean a balance or equity between income and expenditures. It also means lesser expenses, and making an allowance for savings.

If you earn a thousand dollars per month, you should map out all the necessary expenses you will have to incur during the month such as payment for your house, food and transportation. Of course, this is presuming that your tax liabilities have already been settled. What remains after you deduct your total expenses from your income is your savings.

What you do with your savings will make a difference later on, when the need arises. You can choose to keep your savings in a piggy bank or place it in a bank where there is minimum interest rate but at least your money is safe from you and from intruders. With a bigger savings, you can get the services of a financial adviser who can give you higher-yielding investment options

Here are saving money tips to make sure that you keep within the family budget:

1. Maintain a logbook where you can list your income and expense account on a weekly or monthly schedule.

2. Buy your groceries at one time. To do this, make a list of all the things that you would need for your target period and purchase them at one time. Sometimes, there are discounts if you buy by the dozen so take advantage of this.

3. Avoid going to the supermarket and shops if you do not need to buy necessary items. This will keep you from making unnecessary purchases and keep you from straying away from your budget.

4. Think twice before you buy something. By doing this, you will realize that it is not really a necessity but a whim.

How to Save Money for Tuition Fees (saving money tips)

Saving Money Tips - "How to Save Money for Tuition Fees”

As soon as their child is born, parents can start saving up for their children’s college education. With tuition fees climbing up yearly, it is better to have a sound financial plan so that it would not be difficult for you to send your kids off to college when they grow up.

Aside from the cash that you have saved yourself, here are the top 3 sources that can help you get your kids through college:

1. Scholarship grants
2. Part-time jobs
3. Financial aids

These are good alternative sources for your children to start off on their college education.

But as a parent, you would not want to fall in those long lines for financial aid or let your child work himself to death just to have money for tuition and other expenses.

Here are some ways on how you can have a jump start at shaving off those hard-earned bucks for your child’s college education:

1. The earlier, the better.
Start investing your money as soon as your child is born. First, put the savings or investments under your name. Later on, decide whether you want to transfer the account to your child’s name by the time he or she turns 15. This way, you will have minimal taxes, if at all.

However, you need to be careful when transferring account names.

Some states require a total turnover of funds once your child turns 18 or 21. This is also ineffective if, in the future, you apply for financial aid.

Also remember that tuition fees 10 or 15 years from now may double or even triple the current rates.

2. Establish a trust fund for your child.
This is a very wise plan for a child’s parents or relatives to invest in. A trust fund is similar to a time-deposit where the money will be given to your child after a certain number of years.

After the designated time, the fund may be received in one lump sum or through an installment basis. When building up a trust fund, check out details like the interest rates, taxes and withdrawal restrictions.

All in all, you need to approximate the costs of tuition fees, dorm room, meals, books, and other expenses that may come up. Make sure that you invest money wisely as your child grows.

By the time that there are only two or three years to go before you send your son or daughter off to college, "lock" an ample amount of the funds by investing them in low-risk bonds to ensure that you will get to have enough for them to start their college education.

Cutting your Kids' Schooling Costs (saving money tips)

Saving Money Tips - Cutting your Kids' Schooling Costs

Whenever the school season is just around the corner, there's only one thing that parents are thinking about - the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and education grants for your children is the best way to get them through schooling. But of course, only a small percentage of children can be given these privileges.

There are simple and effective measures that parents can employ in cutting the costs of their children schooling, especially during the back-to-school season. Most often, these measures are often taken for granted, but don't miss out!

Organize and Save
Keep an inventory of your children school supplies and keep it organized. If you are not organized, you will be spending more money on replenishing your supplies. Small things like pencils and crayons may not cost too much, but if you replenish your supplies unnecessarily, you are losing valuable money.

You should also try involving the kids when making the inventory. This will give them a sense of ownership for their things and would know where to take and put their things.

Tax Holidays
Tax holidays are often offered by many states during the back-to-school season. Price ceilings will be put on different school gears. You might want to do a little research and ask about the schedule and the details of the tax holidays in your area.

Bulk Buying
It's a basic economic principle - "the more you buy, the more you save". Well, this is applicable if you are buying a specific item which you will really need in the near future. In buying pencils, for example, you might want to buy a box rather than buying one for each of your kids. Face it, you will be needing to replenish these after some time, so might as well avail of the lower price by buying in bulk.

Transportation
You might want to consider buying your child a bicycle for him to bring to school. This, of course, is not always feasible. Finding a cheap and safe way to bring your children to school daily is an important thing. Car pools and school transportation services are options that you can look at.

Snacks
Whenever you have the time and energy to prepare food for your children, do so. You will not only be saving on the pocket money that you will give to them but you are also secured that your children are eating healthy and safe meals.

Getting your children through school is a hard task and a costly one. Saving money through practical and simple means can assist you in this endeavor. The benefits will eventually add up to bring a brighter future to your children.

How to Cut your Medical Expenses (saving money tips)

Saving Money Tips - How to Cut your Medical Expenses

There is no such thing as a free lunch. Moreover, there is no such thing as free medication. Some time or another, all of us will need medical treatment. Whether it would be for simple colds or for serious illnesses, these things would hurt us and burn our pockets.

According to a recent study, Americans spend more money on medical expenses than any other nationality in the world. As prices get higher and life gets harder, saving some money from your medical expenses will definitely benefit you.

Here are some practical saving money tips on how to cut your medical costs:

Mind Your Health
Prevention is always better than cure. Being fit and healthy seems to be a 21st century fad and it wouldn't hurt us if we join in the bandwagon. An analysis of the 1987 National Medical Expenditures Survey revealed that people who are more active spend less on medical expenses than those who live lethargic lives. The analysis equated the benefit of being physically active to $330 (1987 dollar value) per person.

For smokers and drinkers, reducing cigarette and alcohol consumption is an option which you may find feasible. You will not only reduce future medical costs but also reduce direct costs from purchasing these products.

Go Generic
Taking generic drugs is the way to go. Patents are used by manufacturers to be able to set a price so as to recover their costs in developing their products. But these patents don't last forever and sooner or later, generic versions of these drugs will be available. Generic drugs are basically the same as the branded ones in terms of ingredients and quality.

Going generic can save you a lot of money. According to the Association of Chain Drug Stores, the generic drugs are priced at $24 on the average in 2004, while the average price of the branded ones is $96 dollars.

Deal with your Doctor
Take time out to discuss things with your doctor, for this can also save you a lot of cash. Don't be shy to ask him about the possible alternatives that you can take. Ask him if there is a generic drug that you can take if he prescribes you a branded drug. If you are going to have surgery, try to schedule wisely, so as to prevent overstaying in the hospital. And most importantly, do as you are told. If he asks you to quit your vice, quit it. If he tells you to be active, then you'd better be!

Medical expenses can really dig a hole in your pocket. Try to be wise in your medical transactions and more importantly, take care of your health.

10 Tips Saving Money on Electricity (saving money tips)

Saving Money Tips - 10 Tips Saving Money on Electricity

An electrical appliance that does not work at maximum capacity results in less than ideal performance and higher electricity bills. That is why it is best to save on electricity in order to save more money.

Here is how you can get everything saving up:

1. Keep your appliances clean and well maintained. Regular cleaning and maintenance keeps your appliances in top shape, hence, it will perform better and consumes lesser energy. Energy saved is money saved.

2. Have an annual checkup by a qualified service technician. This can reduce the appliance’s operating costs by as much as 20%, extend the life of the system, and improve its safety and air quality.

3. When using air conditioners, it is best to establish your comfort temperature, and then setting your thermostat at that level permanently. This will definitely save on electric bills because the air conditioning unit takes less energy to cool air four to five degrees than it does to cool air eight to ten degrees.

4. Replace any items that may have been 10 years or older already. Old appliances are most likely not at their optimum efficiency. By replacing them, your electric bills may be cut by half.

5. If you experience a power outage, make sure you turn off the switch on your appliances and allow time to pass before turning the appliances on again when the power returns.

6. In refrigerators, do not overstuff compartments with bottles and plastic containers. Cool air must circulate freely to avoid overworking the condenser.

Also, try not to leave the door of your refrigerator as open as possible or open longer than what is needed. This will have the tendency to allow the cool air to break out.

7. Always try to look for the “energy saving” logo or notes whenever you buy your new appliances. Buying an appliance with a logo that states it consumes lower energy, it will definitely let you save more money on your electricity.

8. Always use energy saving lights or light bulbs. These energy saving lights or light bulbs usually last up to 12 times longer. Plus, energy saving light bulbs consume less energy. Hence, you will be able to save more money just by saving on electricity.

9. Use energy-saving facilities at home like energy-saving windows or energy-saving appliances. This will lessen the consumption of energy and, thus, will let you save on money. For instance, use a “double-glazed” window instead of the ordinary window.

10. Use insulators at home. This will not let the warm or cool air out, and vice-versa.

Indeed, saving on electricity will definitely save more money.

Saving Money on Clothes (saving money tips)

Saving Money Tips - Tips on Saving Money on Clothes


Are you craving for the newest designer clothes, a pretty tank top, and that pretty dress? All this fashion comes at a price — you choose.Buying clothes these days is always a choice between the designer-made outfit or those cheap but quality items that you could pull together and express your personality in many different ways.

Most experts contend that clothes can definitely make or break a person. They say that your personality is usually reflected on how you dress up. But it does not necessarily mean that good fashion would absolutely mean expensive clothes. Hence, you can still make a remarkable fashion statement without having to spend hundreds or even thousands of dollars just for your clothes.

Here is a list of some saving money tips when buying clothes that would turn other people’s heads to you but would not definitely break your wallet.

1. Do the math
Choosing fashionable clothes can be really tricky, not unless you know how to do the math! So before you buy three sets of clothes that would cost you hundreds of dollars, try to go for the budget-friendly dozen of items that you can even match alternatively.

The number of expensive items that your money can buy is definitely doubled or even tripled when you buy cheaper ones but can still make a good fashion statement.

2. Know what you want
Saving money is definitely based on knowing what you want whenever you spend your money on something. If you know what you want, this means that you have researched the item, have compared them with the other items, you will be able to come up with the lowest price of the product.

3. Drive your way to a “thrift store”
Usually, these “thrift stores” are non-profit organizations. This means that they are usually operating for charity. They give their proceeds to some charitable institutions. Hence, the prices of the clothes being sold in the thrift store are absolutely cheaper than the ones being sold in the department store. So that would mean many savings for you. Best of all, you do not only get to save more money, you get to do some charity work as well.

The bottom line here is that when shopping for clothes, do not shop for the brand name, shop for the quality.

Nowadays, you just have to be practical. Better spend your money on more important things than those designer clothes.

Tips on Saving Money during the Holidays (saving money tips)

Saving Money Tips - Tips on Saving Money during the Holidays

With the hype that holidays usually bring, people always have the tendency to buy more and spend more without taking into account the consequences that their actions can bring.

Hence, it does not necessarily mean that because it is the holidays you have all the reason in this world to buy whatever you want and spend how much you want. Some people contend that it’s just once a year, so better give what you have.

The problem is that giving something just for the spirit of the holidays does not mean you have to spend gold. You can still give something that will be deeply appreciated without having to spend more money.

Here’s how:

1. Make a budget and stick to it
The problem with most people is that they find making a budget relatively easy but sticking to it is doubly hard. So what’s the point of making a budget when you do not know how to conform to what you have stated in there? Making and using your budget should always go hand in hand. Therefore, when you make your budget this holiday season, it is best that you follow the things that are written in it so that you would be able to save more money.

2. Live within your means
Of course, everybody would want to give gifts because that is what the holiday season calls for. However, it does not necessarily mean that you have to spend more than what you can afford. The trick to saving more money is to always live within your means. Spending more than what you can afford will definitely bring more problems than you can afford to solve.

3. Personalize it!
As they say, it is the thought that counts. Hence, there are no better ways to show how much you have thought of those people this holiday season than making personalized gifts.

4. Shop and compare
It really pays to shop around and doubly better when you compare prices. You will never know which items are better priced than the others are when you do not compare their values.

The point here is that you should not be confined to one shopping portal. Try to look for other items, usually in thrift stores and consignment shops, where you can find the best items at a lower price.

Indeed, shopping for the holidays can be fun, but you don’t have to be spendthrift. Nowadays, you really just have to be practical.

Tips on How to be Money Wise (saving money tips)

Saving Money and Your Bills: Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that it’s getting harder and harder to stretch that dollar. With all those bills that you have to pay in a month, you really can’t do anything about it but to save.

I read once that it’s not how much you earn that ensures a comfortable and happy future; but it’s how much you save and keep saved that matters. That is why it is really important to save money especially when it comes to your monthly bills.

Some people do not just realize it but saving on their monthly bills can provide the best money-saving opportunity for them.

Here’s how:

1. Turn off appliances and lights when not in use
The logic is basically simple. Why would you leave something turned on when nobody is going to use it? That’s definitely a bad habit. Hence, if you really want to cut back some on your electricity bill, always turn off the lights and your appliances when not in use.

2. Use energy-saving lights
Nowadays, saving on your electricity bill is not impossible because you can opt for energy-saving devices such as lights. Using these energy-saving lights such as fluorescent lights consumes lower amounts of energy but can still give the suitable amount of illumination.

3. Always check for the leaks
Water bills can create a mountain load of pile on your monthly dues if you do not check on the things that might cause your water bill to rise higher. You can prevent this by ensuring that every pipe is free from any leaks. Some people do not just realize that single drops from leaking pipes could mean additional costs on your water bill.

4. Be more tech-savvy
Cut your phone bill to almost half by simply being tech-savvy. That is, opt for the emails and chatting services of the Internet instead of using your phone to call long distance to your relatives and friends.

5. Try to insulate your home
Insulating your home is a definite energy-saver, money-saver scheme. You will never know how much money you can save on your electricity bill when you start to insulate your home.

Indeed, cutting some of your bills can definitely allow you to save more money. You just have to be wise on your home and everything that you have in it.

Part-time job (saving money tips)

Saving Money Tips - Part-time job


Earning extra money for your future, that is definitely not a bad thing!

However, is it an easy thing? One definitely wants that for a stronger foundations for the future, but how can you manage?

One of the better ways to have a more secured future is to have more than enough money in your bank account, to be more liquid.

Sometime in a day, you may find yourself with nothing to do. You can either take this time to rest, to sleep, to read a book or any of your favorite pastimes. Basically anything will do just to keep you sane and as long you do not have to spend too much money.

However, instead of looking for activities that will not be too costly to maintain, it is better to pursue things that can even help you earn money. If you have enough free time, consider taking a part-time job. More than saving money, you can even expect more dough into your savings!

Why Should I Get a Part-time Job?

  • It can be a source for your extra money for your savings.
  • You make good use of your free time.
  • For a student, the experience can teach a lot about life and the real world.
  • You can meet interesting people.
  • There is the possibility of discovering new skills or passions.
  • Getting a good part-time job can actually be a start to a more serious endeavor.

Getting a Part-time Job
It will be relatively easy to get a part-time job. You can look up the posters or newspapers. Inquire in different establishments for openings in part-time positions. Ask friends who may recommend you. You can even provide services of your own skills like tutorial, writing or painting.

The job may require from you a few hours of your week. It can be something you do in the afternoons, during the weekends, or during school breaks.

You may feel challenged by exploring this new possibility in your life. You will have to balance your part-time job with what you regularly do. Simply manage your work and time properly. Save time too. Do minor tasks when traveling or waiting. Give no room for distraction, procrastination or cramming.

As long as you keep track of your extra earnings and savings, in the long run, your part-time job will definitely help do wonders to your plans in the future.

Save Money & Energy at Home (saving money tips)

Saving Money Tips - Save Money & Energy at Home

Saving money is the game now if you really want to bank on a good future for you and your family. This is one definite way to ensure that you make yourself able and ready for whatever big plans you have ahead, be it getting a new house, buying a car, sending a kid to college or even a grand vacation.

There are many ways to save money. It can range from setting aside a portion of your monthly paycheck or avoiding the little temptations for you to spend. Make it your goal.

Start at Your Own Home

  • Saving money should be part of your way of life to make it most effective. It is best that the effort to save be shared by everyone in the family.

Little Efforts
  • Do not drive if you really don’t have to. If you can, just take a walk or take the bus. Riding the bike can also be very good for your body. Have a car pool with friends or neighbors. You can also suggest doing errands together like doing the grocery store.
  • Avoid the little temptations that may come your way. It is naturally fine to reward yourself after a hard work every now and then, but do stay away from splurging. Cut back on your expenses.

Use Less and Save Energy
  • Electricity - Turn off appliances that are not used. Turn the TV off if the show is not worth it. Close the refrigerator after getting what you need. Use lower wattage bulb for rooms that do not need much lighting. These will definitely add more data to your savings!
  • Water - Check for any leaks in your pipes. Always make sure that the faucet is not dripping. Avoid long showers. Use a glass when brushing your teeth instead of leaving the faucet on.
  • Phone – Choose a provider that has savings plans especially for long-distance calls.
  • Gas - Have your car tuned up so you can save on gas. Get membership benefits also from stations. Fill up the tank when the prices go low. You can also do a research on gas saving cars if you have to purchase a new one. Turn off the air conditioning. If there is no need for that, simply keep the windows open. Enjoy the ride and the cool wind.

You may not realized this before, but your household’s basic utilities can actually be your key to saving more money. This has a two-way benefit. You get to save some dollars for your family. You also contribute in addressing the energy crisis.

Want more tips? Pull out more saving money tips from our archives.

Shop and Save Using Credit Cards (saving money tips)

Saving Money Tips - Shop and Save Using Credit Cards

You have long known the credit card. It is said to be your ultimate gear when you go shopping. The plastic can even be a best friend to a happy shopper. Considering the times nowadays, this plastic seems to be the least practical option out there. It is actually the most convenient tool used for consumption when you are out of cash. It lures you to spend.

Is there anyway for your credit card to be useful for your saving endeavors?

Yes, actually there are ways that the plastic can be helpful. You CAN actually save money with that credit card.

0% Balance Transfers
If your present credit card has high interests, you can transfer your balance to one with a low-interest or no-interest at all. It can offer you a 0% interest for a certain period and then a lower regular rate later on. A 19% interest rate can be transferred to one with 16.1%. The 2.9% difference means a lot, especially in the long run.

Lower Interest Rates
Look for one with the lowest rate among others to further maximize having a credit card. This definitely spells savings. If you do not have a balance yet, it is best to look for a card without annual fees.Take extra precautions, too, in assuming that the lowest interest rate is the best for you. Factor in your buying habits. You may be attracted to the low rates, but the end result may not be desirable if combined with the annual fees and the like.

Rewards Program
Reward points system and cash back programs are offered now. This can save you money. Maintaining a low balance despite your frequent buys will give you at most 5% off on purchases.
There are even cash rebates up to 5% when you use the credit card at certain gas stations, convenience stores and groceries. This can be automatically applied to your bill, the more you can feel the savings you are making.

Maximizing the Experience
To reap the rewards, you must avoid the drawbacks. A prudent person will definitely look for the best deals and grab it right away but with some caution. Thus it is necessary that you read the details. Check the fees that may be charged and the penalty rates in case you delay. This may be the downside of the deal offered to you. For example, be careful of cash advance features of credit cards. Some of them can be very expensive. They can come with numerous fees and higher rates.

Be wary! Spending cannot be avoided at times. Just don’t forget your goal, getting a good deal to save.

6 Tips on How to Save Money on Transportation

Saving Money Tips - 6 Tips on How to Save Money on Transportation

Prices go higher every year, especially the cost of gas. Transportation is one big factor that makes the household budget difficult to cover all your expenses. Here are some saving money tips to help you save money from transportation:

1. To save money, you must always check on your vehicle regularly. A well-maintained vehicle can get you out of trouble on repair expenses. You can actually spend only $50 on maintaining your vehicle and save up to $800 on repair costs in a year. You can even save more if you do the maintenance yourself and not bring your car into an auto shop.

2. If you want to save more money, it is recommended not to buy a new car. The value of a car depreciates automatically when you drive it out off the showroom of the car dealer shop. You may buy a car that is used at least one year. It will save you thousands of dollars to the actual worth of the car when it was new. The owner will then pay all the depreciated value of the car.

3. Save money on buying used cars by comparing the prices of the car dealer and the actual price on the list of the used car dealer ads. To ensure the car that you buy is well conditioned, you may ask for the help of a mechanic to check if the car is good enough for its price. It is better to buy a used car from a person you know and trust. This will help you make sure that you have a good deal in acquiring a car.

4. Try to compare gasoline rates. You may refuel your car with the gasoline station that offers the lowest price on gasoline. You can even save more by pumping gas yourself and use the lowest octane in your car’s manual. It is also recommended that you pay cash than credit cards that charge extra rates. Do not forget to check the gas cap if it is tightened to ensure no gas is spilled out.

5. Always keep your engine tuned-up and have your tires inflated to their desired pressure to save you more money. A well-maintained engine consumes less gas. Keep your car’s trunk clean to save more fuel. Heavy loads in your vehicle can consume more fuel because of the excess weight it carries.

6. Try to limit the use of your car on your daily route. You may take the bus or the subway to save gasoline. You can also save time by ignoring the traffic that you encounter everyday on the streets.

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